Mobile Payments&Near Field Communications(NFC)U.S.mobilepaymentswilltotal$214 billion by 2015,ballooningfrom$16billionthisyear.Thatsanaverageannualgrowth rate of 68%.*http:/ 310%OnBlackFriday,27%Increase InMobilePayments*http:/ PaymentsMobile commerce(orm-commerce)usesthemobilehandsetasthegatewaytoonlineshopping.Insteadofbuyingitemsfromyourdesktoporlaptopcomputer,youwouldopenanapporthemobilebrowser.Mobile payments acceptanceMobile Peer-to-Peer(P2P)Peer-to-peer(P2P)payments,aswithotherpeer-to-pee